![]() Your hospital charges could be much more expensive if there are complications during the delivery or if you need specialty care or monitoring after birth. For a cesarean birth, the average stay is 96 hours. For a vaginal delivery, the average hospital stay is 48 hours. If you deliver your baby in the hospital, the cost of the hospital stay can vary significantly. Vaginal births generally cost less than cesarean births, with and without health insurance. ![]() One of the biggest factors that impacts the cost of giving birth is the type of delivery. You will need various tests, including routine blood work, a glucose test, genetic testing, ultrasounds and other screenings, which affect the cost of having a baby. You can expect to visit your obstetrician’s office between 10 and 15 times for a normal pregnancy with no complications. Hawaii, Louisiana, North Dakota and Wyoming were not included in the report. Source: Health Care Cost Institute, 2020 data. * Source: 2014 data from the U.S.Difference between state and national average out-of-pocket spending for childbirth If you have an FSA or HSA, use that to make these purchases tax-free. If your insurance doesn’t cover prenatal vitamins, compare prices on over-the-counter options. Your birth plan will document which tests you want or don’t want during labor, and doing the research now will help you make informed decisions ahead of time. Plan ahead by working with your doctor to create a birth plan. Out-of-network doctors or hospitals will be pricier and might not be covered at all. How can I save money during my pregnancy and delivery? Prenatal vitamins: These can get pricey, but your insurance may cover all or part of the costĬhildbirth classes: Your hospital might provide a free or low-cost optionīaby gear: You’ll want to purchase these things like clothes, a car seat, crib and diapers ahead of time. Outside of doctor’s visits and your hospital stay, you’ll also want to think about: Any copays or coinsurance fees you pay along the way should be counted toward your deductible. Any other costs I should consider?Īsk your doctor about the cost of your prenatal visits, tests, and ultrasounds. In that case, when what you’ve paid toward individual maximums adds up to your family out-of-pocket maximum, your plan will pay 100 percent of the allowed amount for healthcare services for everyone on the plan for the rest of the year. If your plan covers more than one person, you might have an individual out-of-pocket maximum and a family out-of-pocket maximum. Pay special attention to your out-of-pocket maximum. What is my out-of-pocket maximum? This the highest amount you can expect to pay in a plan year - once you’ve hit this amount, your insurance will cover the rest. What is my coinsurance? This is the percentage of costs you cover once you’ve met your deductible, until you reach your out-of-pocket maximum. What is my copay? This is the amount you pay for your appointments or hospital visits. ![]() What is my deductible? This is the amount you have to pay out of pocket before your benefits kick in. If you have insurance, ask your plan administrator these questions: In Illinois, the Moms & Babies program covers healthcare for eligible women while they are pregnant and for 60 days after the birth. If you don’t have insurance, there might be state or local programs that could help with costs. Under the ACA, pregnancy, labor, delivery, and newborn baby care must be covered by all health insurance plans offered to individuals, families, and small groups. Maternity coverage is considered an essential health benefit. The type of birth you have plays a big role in your bill, since more complicated births require more care and often come with longer hospital stays. Medications administered, such as an epidural Your room (costs vary depending on whether you choose a shared or private suite) Department of Health and Human Services*, the national median charges for childbirth hospital stays in the United States include $13,524 for delivery and care for the mother and $3,660 for newborn care. What do hospitals charge?Īccording to the most recent data from the U.S. Factors include where you live, whether or not you have insurance and the details of your plan and what type of birth you have.
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